Checklists and to-do lists are a lifesaver. They add structure to your life and pressure to start working on what's on the list. When you're on a roll and are ticking those boxes off, you feel more accomplished and happier. So why not put that to work in your financial life?

As with the Chinese proverb, “the best time to plant a tree was 20 years ago. The second best time is now,” it’s best to start working on your financial checklist as soon as possible. For those in their 20s, getting your finances in order today will have lasting effects decades down the road.

Here’s a checklist you can use to help guide you on how to handle your finances, and if you’ve ticked off a couple or more, then you’re doing a great job.

For even more financial goals to aim for in your 20s, read our in-depth article on the topic.